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Future-Ready Digital Experiences for NBFCs

About Us

Competitive Advantage

Why dentsu

Contact Us

Fractal Ink helps financial institutions consult, design, and build scalable, customer-centric digital experiences that drive engagement, trust, and business growth — from strategy to execution

The Digital Experience Gap in Financial Services

NBFCs face structural barriers that prevent them from delivering the seamless, trusted experiences modern customers expect.

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Complex Customer Journeys

Multi-step processes create friction and abandonment.

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Low Application Completion

Drop-offs at critical conversion points erode revenue.

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Fragmented Digital Experiences

Inconsistent touchpoints undermine trust and brand equity.

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Rising Acquisition Costs 

Poor experiences inflate CAC and suppress lifetime value

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Regulatory Constraints

Compliance requirements complicate digital innovation.

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Legacy Platform Limitations

Aging infrastructure slows product launches and iteration.

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Inconsistent Cross-Channel Experiences 

Disconnected web, mobile, and branch journeys create customer confusion.

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Slow Product Launches

Lengthy development cycles delay time-to-market for new offerings.

Experience Is the New Competitive Advantage

Leading NBFCs are outperforming peers by investing in experience-led transformation, not just technology upgrades.

Customer Acquisition

Customer Acquisition

Simplified journeys convert more prospects at lower cost.

Loan Application Journeys

Loan Application Journeys

Optimized flows reduce drop-offs and accelerate conversions.

Mobile Engagement 

Mobile Engagement 

Mobile-first experiences drive higher adoption and retention.

Customer Retention

Customer Retention

Consistent, trusted experiences increase loyalty and lifetime value.

Cross-Sell & Upsell

Cross-Sell & Upsell

Personalized experiences unlock incremental revenue opportunities.

Digital Onboarding

Digital Onboarding

Streamlined KYC and activation reduce time-to-first-use.

End-to-End Experience Transformation

Fractal Ink delivers the full spectrum of experience capabilities — from strategic consulting to scalable design systems — purpose-built for BFSI complexity.

Built for Financial Services Complexity 

Fractal Ink brings deep domain expertise across the BFSI landscape — understanding the regulatory, trust, and security demands unique to financial services.

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Years of digital consulting

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End-to-end transformation programs across financial services.

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Experience specialists - dedicated designers, researchers, and strategists.

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Technology experts backed by Dentsu's enterprise engineering capability.

🏆 Three-Time Great Indian BFSI Awards Winner — Recognized in 2022, 2023, and 2025 for excellence in digital experience transformation.

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Customer Engagement

Typical improvement in digital engagement post transformation.

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Digital Adoption

Increase in active digital users following experience redesign.

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Customer Friction

Reduction in support queries and process abandonment.

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Application Completion

Improvement in loan and account application completion rates.

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Onboarding Time

Reduction in time-to-activate for new customers.

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Customer Satisfaction 

Improvement in CSAT and NPS scores post-experience overhaul

Beyond Design. Built for Scale.

Fractal Ink doesn't just deliver projects — we build the foundations for sustained experience excellence across your entire digital ecosystem.

Have a question for our team?

Let's explore how experience-led transformation can help your organization improve engagement, trust, and growth.

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